
Iffco Tokio Super Top Up Policy And Plan
IFFCO TOKIO General Insurance Company Limited
7.8/10
OneAssure Rating
7.8/10
OneAssure Rating
Highlighted Features

Room Rent Coverage
Covers normal and ICU room charges up to the chosen sum insured, ensuring hassle-free hospitalization.

Advanced Treatments
Covers robotic surgeries, stem cell therapy, and specialized procedures like stereotactic radiosurgery and bronchial thermoplasty under the sum insured.
Policy Wording
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Our Verdict
IFFCO-TOKIO’s Super Top-Up Health Insurance offers high-value coverage with flexible deductibles and no co-payment, ideal for individuals seeking extra protection beyond their existing health plan, but with waiting periods for certain benefits.
About the Plan
IFFCO-TOKIO’s Super Top-Up Health Insurance plan provides additional coverage beyond a chosen deductible, ensuring financial protection against high medical expenses. It covers hospitalization costs, day-care procedures, advanced treatments, and AYUSH treatments. The policy includes a 30-day initial waiting period, 24 months for specific illnesses, and 48 months for pre-existing diseases. No co-payment is required. Cashless treatment is available at network hospitals. This plan is ideal for individuals seeking cost-effective, high-value coverage above their existing health insurance policy.
About the Plan
Product Stats
Rating
Features of the Product
Room Rent (Normal & ICU)
Normal: Covers up to Chosen Sum Insured.
ICU: Covers up to Chosen Sum Insured.
Advanced Treatments
Uterine Artery Embolization and HIFU (High intensity focused ultrasound)
Balloon Sinuplasty
Deep Brain stimulation
Oral chemotherapy
Immunotherapy - Monoclonal Antibody to be given as injection
Intra vitreal injections
Robotic surgeries
Stereotactic radio surgeries
Bronchical Thermoplasty
Vaporisation of the prostrate (Green laser treatment or holmium laser treatment)
IONM - (Intra Operative Neuro Monitoring)
Stem cell therapy: Hematopoietic stem cells for bone marrow transplant for haematological conditions to be covered up to sum insured.
Co-payment
No co-payment is required.
Waiting Periods
Initial Waiting Period: 30 days from policy inception, excluding accidents.
Specific Diseases: 24 months for listed ailments.
Pre-existing Diseases: 48 months waiting period applies.
Cashless Healthcare Providers
Access to an extensive network of over 5,000 hospitals across India for cashless treatment.
Day Care Treatments
Coverage for medical procedures requiring less than 24-hour hospitalization, such as cataract surgery and chemotherapy.
AYUSH Treatment
Expenses for alternative treatments like Ayurveda, Yoga, Unani, Siddha, and Homeopathy are covered up to the sum insured.
Exclusions
Pre-existing diseases not covered during the waiting period.
Illnesses occurring within the first 30 days of policy inception, except accidents.
Cosmetic or plastic surgery unless required due to an accident or medical necessity.
Injuries or illnesses caused due to self-inflicted harm, suicide attempts, or substance abuse.
Treatment for HIV/AIDS and other sexually transmitted diseases.
Expenses related to weight loss or obesity treatments, including bariatric surgery.
Infertility treatments, assisted reproduction, or contraceptive surgeries.
Injuries due to participation in hazardous activities or adventure sports.
Non-allopathic treatments unless covered under AYUSH benefits.
Experimental treatments, unapproved medical procedures, or treatments not recognized by Indian medical authorities.
Exclusions
Deductible Flexibility - Choose from multiple deductible options to customize coverage as per financial needs.
No Claim Bonus - Increases sum insured for every claim-free year.
Hospital Cash Benefit - Provides daily cash allowance for incidental expenses during hospitalization.
Restoration Benefit - Replenishes sum insured after full utilization due to a claim.
Critical Illness Cover - Additional coverage for life-threatening illnesses like cancer and heart attack.
Personal Accident Cover - Provides financial protection for accidental death or disability.
Maternity & Newborn Cover - Covers maternity expenses and newborn care after a waiting period.
Add-ons
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About the Company
IFFCO Tokio General Insurance Company Limited was established in 2000,it is a joint venture between the Indian Farmers Fertiliser Co-operative Limited (IFFCO) and Japan's Tokio Marine Group, with IFFCO holding a 51% stake and Tokio Marine 49%.
The company offers a diverse range of insurance products, including health insurance plans tailored for individuals and families. Their health insurance policies provide comprehensive coverage with sum insured options up to ₹1 crore, access to over 7,000 network hospitals across India, and benefits such as pre-hospitalization coverage (usually 60 days), post-hospitalization coverage (usually 90 days), and no pre-policy medical tests for applicants up to 60 years of age.
Additionally, they offer wellness benefits and a simple claim process, aiming to deliver peace of mind and financial security during medical emergencies.
MD and CEO of IFFCO Tokio insurance, Mr Subrata Mondal aims to make insurance accessible and affordable to a larger crowd by offering simpler claim processing and extensive coverage.